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Hilliard town, FL

ZIP 32046 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32046

Median Home Value
$214,600
Median Rent
$588
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,379/mo PITI).

10%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

30.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 32046 in Hilliard town, FL, a household would need roughly $59,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,379. That sits below the local median household income ($71,750), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
77.5%+18% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
2.5%-63% vs US avg
x
Rent Burden >30%
15.6%-69% vs US avg
x
Mortgage-Free
47.4%+24% vs US avg
x
$214,600
Home Value
$588
Rent
1992
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached51.8%
  • 1-unit attached1.0%
  • 2-9 units7.4%
  • 10+ units1.8%
  • Mobile home & other38.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$214,600
Median rent$588
Owner-occupied77.5%
Vacant7.5%
Price-to-income3.0x
Est. income to buy$59,000